Mosaic’s model is a hybrid, bringing new regional retail business directly to Lloyd’s via our global underwriting hubs— effectively syndicating global capacity into local markets.

We provide lead-line capacity on all business we write, backing our underwriting capabilities while offering valuable market distribution to capital partners, including other insurers. Our model gives clients the security of spreading risk through syndication and a single claims-settling contact.

Our centrepiece is our Lloyd’s Syndicate 1609— the first independent syndicate approved by Lloyd’s in recent years—which connects our network of underwriters around the world. Third-party capital partners are a critical piece of our equation, leveraging Mosaic’s unique benefits.

Our Name

Why Mosaic? Our name is a nod to the idea of diverse elements combining to create a harmonious whole. Our company brings together discerning underwriting, technology, and a broad range of experts—a collection of compelling parts. Mosaic leverages the unbeatable advantage of that makeup.




AM Best


Very strong

Standard & Poor's


Very strong

Fitch Ratings


Mosaic Bermuda Headquarters

Mosaic UK

Mosaic US

Mosaic Bermuda

Mosaic Asia

Mosaic Europe

Mosaic Canada

Mosaic Dubai

Mosaic Syndicate 1609

Third-Party Capacity

Transactional Liability


Political Risk

Political Violence

Financial Institutions

Professional Liability

Environmental Liability